June 18, 2018 The Honorable Mel Watt Director Federal Housing Finance Agency 400 7th Street, SW Washington, DC 20024 Dear Director Watt: The signatories below represent civil rights organizations and trade associations of community banks, builders, and independent mortgage lenders. Under your leadership, Fannie Mae and Freddie Mac have made extraordinary strides toward achieving the safety and soundness requirements under the Housing and Economic Reform

2101 Wilson Boulevard, Suite 610 Arlington, VA 22201 (571) 527-2601   May 30, 2018 Mr. Brian Montgomery Commissioner Federal Housing Administration Department of Housing and Urban Development 451 7th Street SW Washington, DC 20410 Dear Commissioner Montgomery: The Community Home Lenders Association (CHLA) writes to congratulate you on your confirmation as FHA Commissioner, and to offer our views and recommendations on FHA priorities. The Federal

May 21, 2018      Attention: Monica Jackson Consumer Financial Protection Bureau 1700 G Street, NW Washington, DC 20552                    RE: Request for Information Regarding the Bureau’s Supervision Program                               Docket No. CFPB-2018-0004 We are writing as Independent Mortgage Bankers (IMBs) to call

  2101 Wilson Boulevard, Suite 610 Arlington, VA 22201 (571) 527-2601 May 17, 2018   The Hon. Mel Watt Director Federal Housing Finance Agency 400 7th Street SW Washington DC 20024 Dear Director Watt: The Community Home Lenders Association (CHLA) writes to ask FHFA to investigate the pricing practices of private mortgage insurers (PMIs) with respect to use of volume discounts and other proxies for